Frequently Asked Questions

SpendMoney is a budgeting app focused on clear spending limits, practical savings funds, and simple monthly choices. It is designed for people who want control without a complicated system.

You can set hard budgets for essentials, build flexible funds for goals and surprises, and track transactions in one place.

No. SpendMoney does not require bank logins or account connections. You enter or upload transactions yourself, which keeps budgeting separate from your banking credentials.

SpendMoney is designed to protect private budget content with layered controls, including encryption for sensitive fields and strict row-level access policies. Regular developers do not have open, unrestricted access to private user budget content through normal application paths.

Like any online service, no platform can promise absolute security. Limited operational metadata (for example IDs and timestamps) may be processed to provide core features. For full details, see the Privacy Policy.

SpendMoney is currently in private beta. Beta access is free until subscriptions start on November 1st, 2026. You do not need to be on the current allowlist to submit a request.

Use the Request Membership page to apply. If you are selected, the team will be in touch.

During the private beta, access is free until November 1st, 2026. After that, paid plans cover hosting, email, and secure data storage. There is no free tier once subscriptions begin.

See the Pricing page for monthly and yearly options. Payments are processed by Stripe; SpendMoney does not store full credit card numbers.

YNAB can be powerful, but it often asks people to learn a full budgeting system first. SpendMoney aims for a cleaner experience: define your plan, assign money to the categories that matter, track transactions, and build funds for what is next—without bank-account tethering or extra complexity just to understand your month.

Yes. SpendMoney is built for real life, including freelancers and households with changing pay. You can keep hard budgets for essentials while directing extra money into funds for slower weeks, surprise expenses, or seasonal dips.

After you sign in, open Settings. From there you can delete your account. Deletion removes your account access; review the Privacy Policy for details on how data is handled.

Use the Contact form, or email support@spendmoney.io. New users can also start with the short Tutorial.